What is your current diet?
Do you exercise?
How long has the fatigue been going on?
Muscle aches?
Any chance you could be pregnant?
I know that going to a doctor may not be particularly easy right now, but severe fatigue and insomnia like that is really really hard to comment on, because it can be a symptom of anything from simple anemia to life-threatening leukemia. Waiting until March may not be anything, or it could make a big deal if something serious is wrong.
I vote doctor, even if you have to borrow money somewhere to go.